From a mailing for veterans (one of many), I called Chris to obtain some basic information. I noted his name and when I was ready to refinance I called back two years later based on his honest and genuine demeanor. He was never pushy. Excellent communication and follow through on any questions. Anticipated future questions and sent me information throughout the process, well after closing. He made me feel like I was his only customer. His advice and knowledge helped me attain financial freedom for the first time in my life. I am extremely grateful. Thank you Chris!!

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-Conni J.

Just a quick note to express how much my wife and I appreciated working with Clay Comer on our mortgage refi. Both Gay and I agree that Clay is a 1st class representative for your company. He was very patient and professional in dealing with a couple of bumps along the way. He is truly a great employee of your Bank. You should consider taking he and Jason out to lunch some time. We strongly recommend both of them for anyone’s future mortgage needs.

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-Bob and Gay F.

I called Danny L. asking about refinancing my mortgage taking out some equity. Danny was very professional and always was quick to answer my calls and respond to my text messages. There wasn't an annoying answering system or any hassle making contact with him; even during off hours. The refinance was quick, less than 30 days and I was kept informed during the process. I highly recommend Danny and the bank for financing a home. I consider them second to none Less

-Michael J.

I have used David C. for several years. He has excellent communication skills and is in constant contact everyday, including after settlement. In my profession it's hard to find people we can trust with our information. David will tell you like it is. I have already referred family and friends to him and will continue to do so. I will definitely use David and the bank again in the future. Less

-Thomas S.

We just completed the fourth refinance of our home with David C. From the first to this one, David has helped us every step of the way. The way he is always in touch gives us great confidence. David is a true professional and gentleman. I know that if rates go down again in the future, David will be there to help us again. Thanks, David! Less

-Tony & Jane W.

Thank you for all of the assistance you provided. You made this process very easy and took time to explain everything in a very easy to understand manner. The representative (Jeff Kilcoyne) that helped us was very professional, understanding, and most of all, helpful. He took the time to explain every last detail and look for the best opportunity for us. His friendly demeanor and knowledge made this process very easy and timely. I would do business with this bank again and highly recommend it to others! Thank you very much!

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-Michael H. Sgt. USMC

We just refinanced our mortgage through yourBank and closed on it last night. I just wanted to send you a quick note on how wonderful it was working with Jeffrey Kilcoyne. He was so thorough and kept us informed throughout the whole process.

Due to my last experience with Quicken Loans, I was very reluctant to move forward with trying to refinance our home. However, Jeff was amazing in educating me on things that I did not even know about mortgages and I am extremely grateful that he took the time to explain these key factors to me.

This was such a wonderful experience for us that I have even referred him to my son and daughter-in-law to refinance their VA loan! Again, thank you so much for the awesome customer service!

Best regards, Less

-Kathy B

Jeff K. did an outstanding job on my VA Refinance. From our very first contact, he worked very hard to get me a great rate. I thought I knew a lot about morgages and financing, but Jeff explained every little detail to me and I learned a lot. It showed me I was truely dealing with professional. Even when my credit report came back with a good score, Jeff went through it and we actually found some mistakes that I was able to get fixed. Never would have known if not for him. Jeff was incredibly patient with me when I mentioned that I had gotten better offers. He would go over the paperwork with me to make sure I was not getting ripped off and pointed out the problems or false advertising. Less

-Nathan H.

Your person Julio Cortez has been working with us to streamline our house loan. I have worked with several loan officers in the past I have bought an sold around 22 homes in the last 30 years. Out of all the officers I have worked with in the past. Julio Cortez has to be the best one ever, he made it go so smooth. In most all loans there is a clinch not with Julio he made sure it never happened. He is the first loan officer that I have ever recommended, every vet I meet I give his number to them.So I just wanted to say what a wonderful job he did for us, and that he is truly an assist to your company. By the way I am not one to write letters on anyone. With everything we buy today that comes from another countries, all we have is to provide good service. If all your people are like Mr. Cortez you have taken the term great service to a all new level. Less

-John M.

It was an absolute pleasure working with Julio C. during our refinancing process. He made what normally would be a daunting experience into an example of excellent customer service. He guided us every step of the way and made us feel that he was interested in our getting the best deal possible. We highly recommend Mr. C. Less

-Reinaldo C

We would like to recognize Mr. Julio C. and the great work he did with my wife Ericka and I as we looked into refinancing our then current mortgage w/cash out for home improvements and such. What a great experience for us considering the last refi we did about four years ago and that was not fun at all. Mr. C. worked with us from beginning to end just as he said he would, kept us informed and updated along the way, and even when a challenge or two showed up, he dealt with it calmly and professionally. Everyone that we know needing assistance in the area of his expertise will be referred directly to Julio C. no hesitation; I may call him just to say hello! Very Satisfied,  Less

-Tony G.

I closed on a home refinance with your bank back in May and I have to say that Laurie [Loan Officer] made the process easy and painless. Laurie and the bank were great to work with. It was just like your neighborhood bank on the phone and over email. Laurie was always available to move the process forward by providing personalized one-on-one attention and professional guidance to ensure that my transaction was completed in an accurate and timely manner. This was truly a once in a lifetime refinance opportunity and Laurie ensured my experience was nothing short of excellent, she provided me with undivided attention and multiple product offerings to meet my financial needs. Consequently, she not only closed my loan on time but in a different state to keep up with my travel plans. The end result, I received a better interest rate and monthly payment for a 15 year fixed mortgage. Thank you so much, for having a professional as Laurie. Less

-Michael F.

I have to satisfy a deep need to myself and send you my sincere thanks and gratitude for your recent help or better stated your Superior Professional and personal services in acquiring the Veterans Refinance of my home. I can remember the day some fellow out of the blue called and asked if I would be interested in a guaranteed VA Home Refinance if my current APR was reduced more than a certain amount, and if it was would I be available to speak to someone who might help. I really was not all that interested at the time because I did not think that I would qualify, but agreed to speak to someone. A few days later I received your call, and that began an actual wonderful experience that I shall never forget. I began speaking with you about a simple refinance to lower the percentage rate of my Veterans mortgage loan and my monthly mortgage payment, and before it was over with you made it possible for not only a better overall payment situation, but made funds available for me to perform many necessary repairs and upgrades to my property that would be a need and a want in the future. There were many hurdles to scale and overcome for me to get to where you could make the near impossible possible, and with an ultra impressive and reasonable finance situation. On top of all of your efforts I at times became not the easiest individual to deal with, but you stuck it out and made me realize that you could make things work – and you did !!!! Thanks Laurie – I will be I debt to you as long as I am vertical. Less

-Nic W.

I had an amazing experience with Phil Paci. Even though he was a miles away from where i was. He walked me through what to do to get my dream house. The process was smooth and Professional. He answered all my questions the same day. Worked with Phil it was so good that it was hard to believe that i was buying a house. I don't have words to explain how incredible was his assistants. THANK YOU SO MUCH! Less

-Mili

My name is Charles Fisher and I recently did a REFI with your bank and Julio was a my mortgage representative and I wanted to take a minute to inform you of the OUTSTANDING customer service my wife and I received from him. I was very doubtful about getting a REFI because of stories I have heard. Julio went above and beyond to explain the whole process to me and made us feel very comfortable that he promised everything would be OK and he sent me an email with all his credentials that said, he was who he said he was and the bank name so on and so forth. I personally have been the customer service business for over 25 years and you don’t get that kind of service very often anymore!! I just wanted to take a second to tell you the good side of business because you don’t hear the good that often. To end we got .75% lower mortgage rate saving us $77 a month (not a lot) but every little bit helps now in days, and saved us $50k in interest it has been a refreshing pleasure of customer service. If we decide to REFI again or any other type of home loan he will be the FIRST and only call I make!!! Please take the time to personally thank him for a job well done!!! Less

-Charles F.

As a retired businessman, I have set expectation levels to measure up to for each of my daily transactions. Yesterday, for example, it was with a very large financial institution that insists all is well with their automated phone service tagged along with their off shore customer service. Total failure to my expectations. This kind of business practice is what should be, and is, I believe, the core success of a company. My business relationship with was totally and completely the opposite. My contact was always the one to answer the phone, always followed up on what he had promised and successfully brought closure to our Veteran Refinancing experience. An experience that I can pass along to others with a vote of confidence along with a good feeling for the future of my wife and myself during our retirement years. If you want to experience that personal contact, fact gathering, necessary communication, follow up and follow through to closure!! Less

-Glenn

All the big banks said “No,” to our request to refinance. One of them even said, “don’t waste your time. If we can’t do it, no one can.” I shared this story with my neighbor who gave me the recommendation to call your bank. They went to work and made it happen. they were responsive, knowledgeable, friendly and persistent. I knew immediately when I spoke with them that they were going to make our refinance happen. They did and we are forever thankful to our neighbor for introducing us for working out our refinance. We now have mortgage professionals we know we can count on.

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-Decatur, GA

They responded very quickly to my request for information on refinance rates. Once I decided to go with your bank the process went quickly and smoothly. They guided me through each step answering all of my questions promptly and ensured we closed in a short period of time. Fantastic service.

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-Streetsboro, OH

My wife and I worked with your Bank in refinancing our home in Northern, VA. They are incredibly knowledgeable and make the process painless. The rate we were able to obtain was 50 basis points better than anywhere else. I highly recommend touching base with them – you won’t find a better group out there (believe me, we do our research).

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-Raleigh, NC

Our experience was undeniably top-notch! Without a doubt, the process to obtain a mortgage can be extremely daunting. They worked tirelessly to provide consistent information and thorough feedback from beginning to end. Our loan was a bit more complicated than the norm, but we felt confident that the typically convoluted path towards closing was going to be well-charted with every loop closed–and it was. At no point did we experience anything short of first-class service, and in fact, they ensured that we received solid guidance and honest advice throughout. Coupled with friendly service and superior professionalism, we would highly recommend your Bank as your “go-to” destination for your mortgage needs!

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-Atlanta, GA

Working with your Bank this past year to get a VA refi for our home in Cool, CA was an absolute pleasure. It was always apparent that you had our best interests in mind and consistently went beyond our expectations to put together our loan. We highly recommend this company and will always appreciate how you worked with us.

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-Denny and Rosemary W.

It was a pleasure working with you. It seemed like every group you had to work with threw up road blocks, to be honest, I was ready to pull the plug several times, but your reassurance and positive can do spirit made me stick to it. And last evening we closed, the reduction in percent rate and cash back from a mortgage holiday and the escrow refund will come in handy. You deserve what we say in the Navy, Bravo Zulu, well done, you went above and beyond, thank you, and you didn’t even have any damage from Irma, see god was looking out for you. Thanks again, I’ll recommend you and your bank for anyone thinking of refinancing.

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-Mike and Patti F.

A five star. Excellent service. I was kept always informed regarding the process of my mortgage loan. The loan processor was very helpful, and eager to help. Finally the loan was approved and everything ended very well. I am very happy with the results, and I recommend this bank for your loan needs Less

-Jairo B

So, if I had to give you a grade (I am a teacher), you get an A+.  I am not a fan of talking on the phone and you only required when necessary.  Your correspondence was always clear and straightforward.  Even when I had to deal with others (Appraiser and Notary), you provided their information and when I should be hearing from them.  I really felt very stressed going into this and your professionalism and most importantly your follow through on everything made it not so bad and made us very happy.  Again, thank you! Less

-Patti O.

I wanted to reach out to you regarding your employee, Danny Iannarelli. I wanted to say what a joy it was to work with him. I applied for a cash-out refi with your bank and it was an absolute pleasure working with him. He was extremely knowledgeable, quick to answer questions (even on the weekends) and his level of customer service exceeded my expectations. I will recommend your bank to my family/friends in the future based on my experience with Danny. You're lucky to have him working for you.  Less

-Laura P.

Just wanted to write you and tell you and the team thank you for everything you did. Can’t express how wonderful it is to be back on the road to financial freedom. I would highly recommend this program to any veteran that might be thinking about this. A huge shout out to you for spending the extra time with me to make the process stress free and very simple, you were always available to answer any and all questions I had. Once again it is a wonderful blessing that this program is available, I was able to pay off all my bills and still had spending money haven’t had that freedom in a long time.

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-Mike P.

I wanted to extend my appreciation for the support I received from Clay, during my mortgage refinance. This WAS by far the easiest mortgage I’ve closed on. Clay was always available to answer my questions, and did so in a professional and friendly manner. I hope your bank has many Clay’s on staff; as it’s employees like him that make raving customers. I’m a fan, if you can’t tell by now. Thanks Less

-Brian B.

What a fantastic experience. I had a financial need that I knew would be difficult with many roadblocks. I started working with David C. and his experience and direction helped me overcome all the obstacles. David never gave up on helping me meet my financial needs even when we thought we were at a dead end. Less

-Alen R.

"I had the pleasure of working with David Collier for my VA refinance...he was amazing, I'm so thankful for his assistance and guidance. This was my first refinance so I was a little skeptical and spoke with several companies, once speaking with David the choice was a no-brainer. His level of knowledge and professionalism is unparalleled. He communicated with me daily to keep me updated and addressed all of my questions. David made this process seamless and made sure I was comfortable every step of the way. I'm so thankful I was fortunate enough to have him guide me through this process. Great job David, you've earned a client for life!" Less

-Rashida G.

"We have had the honor to work with Robert H. his customer service has been stellar, has always made us feel special, he patiently took time to get to know us as family with our many needs, we never felt rushed and he always had time for our many questions . We struggled through the Housing Market Crash with a high-interest rate conventional mortgage along with a second mortgage with an astronomical interest rate. For years we were upside-down with what we owed to our home value. Last year, we were contacted by Robert H. of United Trust Bank and we were amazed on what he was able to do for us! I cannot praise UTB and especially Robert enough! He told us about a program that could combine our two mortgages under a VA mortgage and lower our interest rate substantially - saving us not hundreds but thousands each month! He also told us that if we made consecutive payments for 7 months, he would work with us to lower our rate even more so we could further save each month. We are thrilled that we were not only able to combine our two mortgages, but also were able to finance 100% of our loan amount to home value under a VA loan and drop our interest rate to 2.5%. We highly recommend Robert H. and the services of United Trust Bank. Robert has earned our trust and and business, we will recommend Robert H and United Trust Bank to anyone who is thinking of refinancing." Less

-Stephan J.

"Over the years, I've needed to reach out a Loan Officer for financial assistance, and I can honestly say; David Collier is among the best of the best! Without reservation, David was able to put together the loan packet I requested, and it was exactly what I wanted; [10-year term; shorten the overall life/term of my current loan; keep the total loan amount as close as possible to my payoff, and of course you must reduce the interest rate about 1%]. I'm sure, David had other customers, but he always took time to explain every step of the whole process. Moving forward, I would highly recommend David Collier, to anyone looking for a Loan Officer that will be honest with you, throughout the complete process of your loan. Buying a home is a big deal for my family, and David Collier explained every step very well; he helped me understand my decision was important. Bottom-Line-David Collier is the best! He earned my business by embracing transparency and clearly communication what he was doing." Less

-Albert N.

Working with David Collier was a pleasure! We have never worked with a mortgage broker as diligent and professional in the past. We literally had updates daily from David and he worked hard to get us approved for our mortgage when others gave up at a first glance. Everything went as expected and we had no issues throughout the process. I highly recommend them and will definitely work with David again if I need help with a loan or refinance. Less

-Marisa F-M.

"My husband and I had a wonderful experience working with Robert Humann in refinancing our home mortgage. From beginning to end, he was informative, extremely thorough and attentive to our financial needs, thus making sure that we were getting the best deal possible. The customer service provided by Mr Robert Humann is phenomenal and I would recommend all veterans to work with him and United Trust Bank. Very satisfied customer" Less

-Tammy B.

"My name is Kenneth Rocci, I'm writing this letter to talk about a gentleman who went above and beyond His Job. I own a home and been there a few years, I did some renovations and by doing so it got a little tight. I was receiving letters to get refinanced didn't really know much if any about the process. I had remortgaged for lower interest but that was as much as I did. I got a letter from Roberts place of business United Trust Bank and gave a call out to them. I ended up getting to talk to Robert Humann and that's how the journey began. He was nothing but professional, courteous, understanding of my needs, and lack of knowledge about the process. He made himself available helped me go through the process step by step and was very patient and understanding throughout. We talked by phone and by email quite a bit. I was nervous and anxious, and he always was able to keep me grounded. We got to know about each other quite a bit. That was awesome because he made me feel like family, while conducting a business transaction. Every step of the way he made sure I understood each and every process what was going to happen when it was going to. Robert never made me feel like a burden although I felt I was at times?? yet he always reassured me that was never the case. He made the whole process easier to deal with. No matter what time of day or night he was always available. I'll be forever grateful for the day I got to Talk to Robert Humann. So now that everything got completed and manageable. I will forever be thankful to Robert for all his hard work and support throughout. He even gave me a tip on grass planting and told me what I needed to do. Peat Moss is what he recommended, and I bought some. To some this may seem a small thing but to me it told me I wasn't just a client, but someone he cared about and that I cared in return. I could go on and on but I believe and hope I got the message about the person my new Friend Robert Humann." Less

-Kenneth R.

Unmatched professionalism. David Collier handled our refinance and it went smooth. No mistakes or surprises. He laid everything out and made sure I would benefit from the loan. He called every morning with updates and kept me informed through the whole process. Can not express the level of satisfaction i felt dealing with David Collier. He is Amazing! Less

-Donald L.

"Robert Humman- Loan Officer/United Trust Bank. Working with him has made refinancing my home a smooth and great experience. He truly cares about you and will answer all your questions, concerns and provide information required and reaching a resolution. My gratitude to Mr R Humman, I was able to refinance my home. He's professional, diligent I highly recommend him with any financial services need." Less

-Sonia R.

"Mr. Humann has been very professional and has saved my life! I have been buried in debt for so long and he has rescued me. I am a disabled Veteran with PTSD and the stress of all my debt was really harming me! Both my sons and my grandsons live with me so I have the added expenses of them also. Mr. Humann has enabled me to free up money to better support them! I will recommend your bank to all my friends and acquaintances in the future. You are the best and I can't thank you enough! Gloria A. Stephens, A Grateful Veteran (I can also make all the improvements and repairs to my home that I was unable to do in the past. And maybe have a little fun too...thanks again!)" Less

-Gloria S.

I want to start at saying Robert H. was wonderful at helping us as he has been in the past. He always kept us informed on how things were going each step of the way! He feels like a part of our family now. We know if we ever need to refinance in the future who we will be calling. We appreciate how fast it took this go round! Robert H. you are the BEST!! Wesley and I are very happy to have gotten to know you. Thanks again for all your great work. Less

-Sharon and Wesley B.

David Collier has gone the EXTRA MILE he believe when I didn't!! When I first received the letter in the mail I thought it was a SCAM. After calling in Mr. Collier was able to assure me that it was not. Mr. Collier has been more determine to make this process happen. Guess what?? He did it with the assistance of his crew. I am able to peep my head up through the clouds again. I appreciate all the hard work and hours Mr. Collier instilled for this process to finally be approved. I would recommend anyone that is looking for assistance with a Refi or even new loan; to give Mr. Collier and his crew a call and allow them to work a miracle. Just have the patience because that is what it takes. Throughout this process I never have noticed Mr. Collier loosing his cool even when I gave up (not once but several times). I am a satisfied customer. Thanks!!!! Less

-Shirley B.

Mr Robert Humann/ United Trust Bank.. From day one his been their above and beyond in every aspect.. as my loan Officer I was able to refinance my home. He truly cares about you amd make sure I had all the information required to make the right decision in refinancing the house. He's professional and diligent and I highly recommend mr Humann. I wish I could give more than 5 stars. Less

-Sonia R.

My husband and myself worked with David Collier on our VA loan. He explained things to us very thorough. He explained to us exactly how to get our credit score up (like what credit cards to pay on and how much to pay on them) to get a better percentage rate. No one else that we have worked with in the past has ever gone above and beyond to help us out like him. We highly recommend this company and David Collier to anyone. Thank you! Less

-CindyS.

My loan officer was David Collier and his assistance was well beyond anything I have ever witnessed before! He literally called me every day to include weekends to keep me informed and on track for my loan. He was very knowledgeable in every aspect of the loan requirements and treated me more like family than just a client! I would HIGHLY recommend him and the company to all my friends and family! I wouldn't go anywhere else for my financial needs! Less

-Philip K.

"From day one, our mortgage specialist, David Collier, was by our side (virtually). He touched base with us everyday and kept us updated at every step. He was professional and was able to assist and answer questions and concerns we had. David Collier was efficient and always on top of every step so that things were constantly progressing. United Trust Bank was able to give us a product that other lenders couldn't and we closed in less than a month from first starting. We always felt confident that they were giving us the best possible deal. This was the simplest mortgage refinance we've ever done." Less

-Robert and Robin B.

My wife and I would like to give some feedback on our refi with UTB and MR. Cortez. Everything went so smooth. Shockingly smooth. This is not my first refi so I am very impressed. I believe this is a direct result of the professionalism of Mr. Cortez. His knowledge and communication skills are exemplary. He made us feel like his only customers. Everything was explained so well and we got everything we wanted. His timeline was spot on. Mr. Cortez is defiantly at the top of his profession and a great asset to UTB. We just can’t say enough about how impressed we are. Less

-Jeremy & Miranda F.

My VA refinance went smoothly and with no surprises thanks to Danny Iannarelli. Danny is a credit to his bank and profession. I was always in the loop and kept well informed of the entire process. What separates Danny and his Bank was the concern for my best interest. Veterans first at United Trust bank. Thank you Danny and UTB!

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-Paul B

I went into this in a bind, my bills were a lot higher than I could handle. I contacted Trust online and my loan officer Ryan Wolverton reached out to me right away.. over the next month he kept in contact with me about every step of the loan, assisted me wherever I needed help. I would recommend Trust and Ryan for help in refinancing a mortgage.

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-Robert W

Patricia was awesome to work with. I seriously have never worked with someone who's been so great and a real person. It's hard to find someone who's willing to listen to so many questions and have answers and not be upset. I would recommend her to anyone. She is my favorite person! And she knows what that means. Islands for everyone. I would highly recommend her and I'm hoping if interest rates drop I will be working with her in the future. She is an absolute asset to your company. Thank you Patricia, you rock!!! 

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-Carla Z

I was skeptical when I received a letter in the mail about VA refinance for equity. But I called anyway. Rob Humann was my consultant. I did have my guard up for a while but he just made my girlfriend and I feel at ease. Little by little my walls came down and I actually learned from Rob while I was refinancing. He is always responsive to texts, calls or emails during the complete process. He is very personable and really knows his stuff. Within a few weeks I had the money in the bank and we are able to do some home repairs and bill paying. Thanks so much Rob. We will definitely be talking again when it comes time for the Streamline. We definitely suggest using this company!!

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-Jeff C

I decided to refinance my home due to lowering my interest rate and paying off some bills. My loan officer, Robert Humann, was Awesome. He made the loan process very easy and quick. He was very friendly, patient, professional, dedicated and very compassionate of my needs. He always stayed in touch with me and returned my phone calls quickly. I could not have asked for a better experience with this company. I very highly recommend this Bank to anyone in need. Thank You again Robert and United Trust Bank for helping me.

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-Trudy F

The experience that my loan officer provided was very pleasant, considering any type of loan refinance can be a real headache. However, he made this process go as smooth and fast as possible. I am impressed with their speed, professionalism and expertise. I will be recommending their VA Home Loan services to my friends and family. Thank you!

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-Rosella A